<ARTICLE>                                            9
<LEGEND>
     Article 9 Ex-27 FDS
</LEGEND>
<CIK>                   0000887919
<NAME>                  Premier Financial Bancorp, Inc.
<MULTIPLIER>                                   1000


                             
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Sep-30-2000
<CASH>                                          21,659
<INT-BEARING-DEPOSITS>                             737
<FED-FUNDS-SOLD>                                17,111
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    161,433
<INVESTMENTS-CARRYING>                          18,338
<INVESTMENTS-MARKET>                            18,462
<LOANS>                                        601,963
<ALLOWANCE>                                      8,577
<TOTAL-ASSETS>                                 876,874
<DEPOSITS>                                     709,583
<SHORT-TERM>                                    70,929
<LIABILITIES-OTHER>                              5,618
<LONG-TERM>                                     37,248
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,103
<OTHER-SE>                                      52,393
<TOTAL-LIABILITIES-AND-EQUITY>                 876,874
<INTEREST-LOAN>                                 41,580
<INTEREST-INVEST>                                8,585
<INTEREST-OTHER>                                 1,084
<INTEREST-TOTAL>                                51,249
<INTEREST-DEPOSIT>                              23,753
<INTEREST-EXPENSE>                              29,791
<INTEREST-INCOME-NET>                           21,458
<LOAN-LOSSES>                                    4,015
<SECURITIES-GAINS>                                (279)
<EXPENSE-OTHER>                                 19,104
<INCOME-PRETAX>                                  1,329
<INCOME-PRE-EXTRAORDINARY>                       1,080
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,080
<EPS-BASIC>                                        .21
<EPS-DILUTED>                                      .21
<YIELD-ACTUAL>                                    3.72<F1>
<LOANS-NON>                                      7,016
<LOANS-PAST>                                     2,425
<LOANS-TROUBLED>                                   346
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,812
<CHARGE-OFFS>                                    2,547
<RECOVERIES>                                       297
<ALLOWANCE-CLOSE>                                8,577
<ALLOWANCE-DOMESTIC>                             8,577
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,575
<FN>
<F1>Computed as tax-equivalent basis
</FN>